phyre plans

The phyre payment services are provided by Paynetics AD - e-money institution licensed by BNB. The pricing model of phyre is regulated by the Paynetics fees and limits.

Wallet currency:

  • STARTER
  • Monthly fee
    0 BGN
  • Personal IBAN in BGN or EUR
    0 BGN
  • Payment at POS
    0 BGN
  • Transfers between phyre users
    0 BGN
  • Bank transfer in BGN
    1.10 BGN per transfer
  • Bank transfer in EUR
    Equivalent of €0.55 per transfer
  • Virtual card
    0 BGN
  • Bank transfer top-up
    0 BGN
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    0.59%, min 0.20 BGN
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    9.90 BGN
    Delivery outside Bulgaria or Romania: 15 BGN
  • ATM withdrawal
    1.10 BGN per withdrawal in BGN,
    1.50 BGN + 0.6% of the amount per withdrawal in other currency
  • Currency exchange
    1.25% of the amount
  • Cash-out to your payment card when performed by us
    1.90 BGN
  • Monthly inactivity fee
    1.95 BGN
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • PLUS
  • Monthly fee
    1.95 BGN
  • Personal IBAN in BGN or EUR
    0 BGN
  • Payment at POS
    0 BGN
  • Transfers between phyre users
    0 BGN
  • Bank transfer in BGN
    0.60 BGN per transfer
  • Bank transfer in EUR
    Equivalent of €0.30 per transfer
  • Virtual card
    0 BGN
  • Bank transfer top-up
    0 BGN
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to 250 BGN per month, 0.59% thereafter, min 0.20 BGN
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    9.90 BGN
    Delivery outside Bulgaria or Romania: 15 BGN
  • ATM withdrawal
    1.10 BGN per withdrawal in BGN,
    1.50 BGN + 0.6% of the amount per withdrawal in other currency
  • Currency exchange
    0.25% of the amount
  • Cash-out to your payment card when performed by us
    1.90 BGN
  • Monthly inactivity fee
    0 BGN
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • STARTER
  • Monthly fee
    €0
  • Personal IBAN in BGN or EUR
    €0
  • Payment at POS
    €0
  • Transfers between phyre users
    €0
  • Bank transfer in BGN
    Equivalent of 1.10 BGN per transfer
  • Bank transfer in EUR
    €0.55 per transfer
  • Virtual card
    €0
  • Bank transfer top-up
    €0
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    0.59%, min €0.10
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    €5
  • ATM withdrawal
    €1 + 0.6% of the amount
  • Currency exchange
    1.25% of the amount
  • Cash-out to your payment card when performed by us
    €1
  • Monthly inactivity fee
    €1
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • PLUS
  • Monthly fee
    €1
  • Personal IBAN in BGN or EUR
    €0
  • Payment at POS
    €0
  • Transfers between phyre users
    €0
  • Bank transfer in BGN
    Equivalent of 0.60 BGN per transfer
  • Bank transfer in EUR
    €0.30 per transfer
  • Virtual card
    €0
  • Bank transfer top-up
    €0
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to €120 per month, 0.59% thereafter, min €0.10
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    €5
  • ATM withdrawal
    €1 + 0.6% of the amount
  • Currency exchange
    0.25% of the amount
  • Cash-out to your payment card when performed by us
    €1
  • Monthly inactivity fee
    €0
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • STARTER
  • Monthly fee
    £0
  • Personal IBAN in BGN or EUR
    £0
  • Payment at POS
    £0
  • Transfers between phyre users
    £0
  • Bank transfer in BGN
    Equivalent of 1.10 BGN per transfer
  • Bank transfer in EUR
    Equivalent of €0.55 per transfer
  • Virtual card
    £0
  • Bank transfer top-up
    £0
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    0.59%, min £0.10
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    £5
  • ATM withdrawal
    £1 per withdrawal in GBP,
    £0.80 + 0.6% of the amount for other currency
  • Currency exchange
    1.25% of the amount
  • Cash-out to your payment card when performed by us
    £1
  • Monthly inactivity fee
    £1
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • PLUS
  • Monthly fee
    £1
  • Personal IBAN in BGN or EUR
    £0
  • Payment at POS
    £0
  • Transfers between phyre users
    £0
  • Bank transfer in BGN
    Equivalent of 0.60 BGN per transfer
  • Bank transfer in EUR
    Equivalent of €0.30 per transfer
  • Virtual card
    £0
  • Bank transfer top-up
    £0
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to £110 per month, 0.59% thereafter, min £0.10
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    £5
  • ATM withdrawal
    £1 per withdrawal in GBP,
    £0.80 + 0.6% of the amount for other currency
  • Currency exchange
    0.25% of the amount
  • Cash-out to your payment card when performed by us
    £1
  • Monthly inactivity fee
    £0
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • STARTER
  • Monthly fee
    0 lei
  • Personal IBAN in BGN or EUR
    0 lei
  • Payment at POS
    0 lei
  • Transfers between phyre users
    0 lei
  • Bank transfer in BGN
    Equivalent of 1.10 BGN per transfer
  • Bank transfer EUR
    Equivalent of €0.55 per transfer
  • Virtual card
    0 lei
  • Bank transfer top-up
    0 lei
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    0.59%, min 0.50 lei
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    25 lei
    Issuing and delivery outside Romania: 36 lei
  • ATM withdrawal
    4 lei + 0.6% of the amount
  • Currency exchange
    1.25% of the amount
  • Cash-out to your payment card when performed by us
    5 lei
  • Monthly inactivity fee
    5 lei
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • PLUS
  • Monthly fee
    5 lei
  • Personal IBAN in BGN or EUR
    0 lei
  • Payment at POS
    0 lei
  • Transfers between phyre users
    0 lei
  • Bank transfer in BGN
    Equivalent of 0.60 BGN per transfer
  • Bank transfer in EUR
    Equivalent of €0.30 per transfer
  • Virtual card
    0 lei
  • Bank transfer top-up
    0 lei
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to 600 lei per month, 0.59% thereafter, min 0.50 lei
    Funds are available instantly. In rare cases, the fee may vary according to the card type.
  • Issuing and delivery of physical Mastercard
    25 lei
    Issuing and delivery outside Romania: 36 lei
  • ATM withdrawal
    4 lei + 0.6% of the amount
  • Currency exchange
    0.25% of the amount
  • Cash-out to your payment card when performed by us
    5 lei
  • Monthly inactivity fee
    0 lei
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions

Limits and levels of verification
For all plans

  • LEVEL 1
  • Identity verification
    Required at initial top-up and/or received funds after you phyre profile activation.
  • LEVEL 2
  • Fill out a declaration of source of funds
    Required when received card or credit transfer higher than 2.000 лв. / €1000 / £930 / 4.900 lei
    Required when the total loaded and/or received funds within 1 month is higher than 30.000 лв. / €15.300 / £14.000 / 74.300 lei

Limits for card transactions (digitized, physical, virtual)
For all plans and levels of verification

  • Per transaction
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single payment at POS
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single top-up
  • 400 лв. / €200 / £200 / 700 lei
    single ATM withdraw
  • 24 hours limit
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    15 payments at POS
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    15 top-ups
  • 1.000 лв. / €1.000 / £1.000 / 2.000 lei
    5 ATM withdraws
  • 7 days limit
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    90 payments at POS
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    50 top-ups
  • 4.000 лв. / €4.000 / £4.000 / 8.000 lei
    35 ATM withdraws
  • 30 days limit
  • 60.000 лв. / €30.000 / £30.000 / 140.000 lei
    300 payments at POS
  • 60.000 лв. / €30.000 / £30.000 / 140.000
    120 top-ups
  • 10.000 лв. / €10.000 / £10.000 / 30.000 lei
    90 ATM withdraws
The following updates will take effect on 19.05.2020:
  • Per transaction
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single payment at POS
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single top-up
  • 24 hours limit
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    50 payments at POS for digitized or virtual cards; 20 payments at POS for physical card
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    50 top-ups
  • 7 days limit
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    120 payments at POS for all card types
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    100 top-ups
  • 30 days limit
  • 60.000 лв. / €30.000 / £30.000 / 140.000 lei
    300 payments at POS for all card types
  • 60.000 лв. / €30.000 / £30.000 / 140.000 lei
    300 top-ups

Limits for other payment transactions
For all plans

LEVEL 1 of verification:
  • Per transaction
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    Transfer within phyre network
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 24 hours limit
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    Transfer within phyre network
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 7 days limit
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    Transfer within phyre network
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 30 days limit
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    Transfer within phyre network
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    IBAN transfer
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Bank transfer top-up
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Credit/debit card top-up
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Total of outgoing transfers within phyre network, IBAN transfers, card transactions
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Total of incoming transfers within phyre network, IBAN transfers, card transactions
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Maximum account balance
  • 1 year limit
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    Transfer within phyre network
  • 2.000 лв. / €1000 / £930 / 4.900 lei
    IBAN transfer
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Bank transfer top-up
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Credit/debit card top-up
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Total of outgoing transfers within phyre network, IBAN transfers, card transactions
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Total of incoming transfers within phyre network, IBAN transfers, card transactions
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Maximum account balance
LEVEL 2 of verification:
  • Per transaction
  • 6.000 лв. / €3000 / £2700 / 14.800 lei
    Transfer within phyre network
  • 6.000 лв. / €3000 / £2700 / 14.800 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 24 hours limit
  • 10.000 лв. / €5100 / £4600 / 24.700 lei
    Transfer within phyre network
  • 10.000 лв. / €5100 / £4600 / 24.700 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 7 days limit
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    Transfer within phyre network
  • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
    IBAN transfer
  • N/A
  • N/A
  • N/A
  • N/A
  • N/A
  • 30 days limit
  • 60.000 лв. / €30.700 / £28.000 / 148.700 lei
    Transfer within phyre network
  • 60.000 лв. / €30.700 / £28.000 / 148.700 lei
    IBAN transfer
  • 100.000 лв. / €51.300 / £46.600 / 248.100 lei
    Bank transfer top-up
  • 60.000 лв. / €30.700 / £28.000 / 148.700 lei
    Credit/debit card top-up
  • 100.000 лв. / €51.300 / £46.600 / 248.100 lei
    Total of outgoing transfers within phyre network, IBAN transfers, card transactions
  • 100.000 лв. / €51.300 / £46.600 / 248.100 lei
    Total of incoming transfers within phyre network, IBAN transfers, card transactions
  • 100.000 лв. / €51.300 / £46.600 / 248.100 lei
    Maximum account balance
  • 1 year limit
  • 200.000 лв. / €102.500 / £93.328 / 495.000 lei
    Transfer within phyre network
  • 360.000 лв. / €184.600 / £168.000 / 893.000 lei
    IBAN transfer
  • N/A
  • N/A
  • 360.000 лв. / €184.600 / £168.000 / 893.000 lei
    Total of outgoing transfers within phyre network, IBAN transfers, card transactions
  • 360.000 лв. / €184.600 / £168.000 / 893.000 lei
    Total of incoming transfers within phyre network, IBAN transfers, card transactions
  • 360.000 лв. / €184.600 / £168.000 / 893.000 lei
    Maximum account balance